Can't access photos or camera on Tinder app since day one, 6 months ago

Nearly 6 months ago I decided to try out Tinder. Since day 1 I have not been able to access photos or camera with app (caveat: I was able to access the camera once, to take the first profile photo, but never again afterwards). I have worked with Tinder support to try figuring out why. They have pushed some patches that they hoped would fix things, but the patches did not fix anything for my experience. When I go to iPhone / Setting / Tinder, I am only given Location, Siri & Search, Notifications, and Cellular Data options. I am not given the option to configure Photo or Camera access. I am wondering (1) how is this possible, (2) how to fix it, and (3) how to ask for a refund now that nearly my entire subscription has been eaten up without me being able to use the app acceptably. Tinder support told me I have to go through Apple, but Apple doesn't seem to provide a natural way to request a refund this far out.